Standard Account integration methods
There are various ways to start processing credit
and debit card payments.
We understand that our merchants vary with respect to their needs and
requirements. Whether or not you have a Web site, our processing options
give you the flexibility to select from one or all of our interfaces.
Due the nature of our business integrations methods can change. Therefore
the information within these documents is subject to change without notice.
Up-to-date manuals and integration guides are available once your account
is active and ready for testing.
The Remote API allows you to collect cardholder and transaction details
within your website and to submit them directly for processing. This differs
from the hosted payment page integration where you submit the transaction
details only and we collect the cardholder details. Using the Remote API
would be applicable if you have an online store and you wish your shoppers
to remain on your site for the whole duration of the transaction.
Using the Remote API model to send payment data means that you will be
capturing, transmitting, and possibly storing card data. The Card Schemes,
Visa Europe and MasterCard International, have never permitted the storage
of sensitive data and it is prohibited under PCI DSS. Consequently, if
you use the Remote API model you will need to demonstrate that your systems
can handle this data securely and that you are taking full responsibility
for your PCI compliance. One part of this
is the need for us to see a clean Vulnerability scan being made on your
Hosted Payment Page
This integration method provides web developers a quick integration to
the online Payment Gateway and full Payment Page functionality for processing
online card payments.
The Hosted Payment Page (HPP) can be fully customised to match the "look
and feel" of the merchant's website.
To process an online payment using the Hosted Payment Page, your website
needs to send a simple 'Purchase Request' to our payment gateway to initiate
the transaction and we complete the rest of the process.
The shopper is will be returned to the merchant's website with the results
of the online payment request. This service is hosted on the secure Payment
Servers which are fully PCI DSS certified, so the merchant is not required
to have their own SSL certificate.
Benefits of the hosted payment page
No cost for SSL certificate: PCI DSS requires that web pages accepting
credit card information must have SSLv3 128-bit minimum certificates.
The Hosted Payment Page has a 128-bit to 256-bit certificate with
full "green bar" functionality for extra customer confidence
Reduced PCI DSS
considerations: PCI DSS states that any site accepting card information
must NEVER store the CVV, and if it does store the card number, it
must be 256-bit AES encrypted. Most web servers log traffic to and
from them which may include card numbers. These logs would have to
be audited on a continual basis to ensure that card numbers are not
Ease of integration: As opposed to other integration methods, the
Hosted Payment Page integration is VERY simple. You just have to submit
a simple web form to us and then display the response that our host
Plug-in availability: We have HPP plug-ins readily available for
almost all our available shopping carts.
Third Party Shopping Carts
Currently we only provide a shopping cart plug-in for Magento. However
more will come up in the future...
Alternative Payment Options
Our Alternate Payments API can be used to take payments using a number
of alternate payment methods (APMs) popular in countries around the world.
This API supports the following payment methods:
SOFORT - Real-time bank transers in most EU countries
iDeal - Real-Time Bank Transfer in the Netherlands
.boku - Mobile (Carrier billing) in the UK, Sweden,
GiroPay - Real-Time Bank Transfer in Germany only
Learn more about Alternative Payments
Mobile payments - Smartphone API
The mobile application allows developers to embed credit or debit card
payment capabilities directly into their website or applications. It also
allows consumers to authorise payment using voice biometric technology
The Smart Phone API allows you to collect cardholder and transaction
details within your app and to submit them directly for processing. It
is lightweight and extremely easy to integrate, providing you with complete
control of your payment infrastructure and a truly 'In App' experience
for the consumer - learn more >>>